you850 COVID-19 Credit Help Hotline Open!

your850 has set up a hot line to help those affected by COVID19. If you have suffered a loss of job, decline of hours, and have questions regarding payments to your creditors and how your credit may be affected, please call us toll free at 888-968-7850.

Below you’ll find articles, news and other resources regarding the COVID-19 Coronavirus and what your850 is doing to help regarding the impacts on personal and business credit.

There continue to be daily and sometimes hourly updates on bank and lender policies, legislation at the municipal, local, state and federal levels regarding consumer protections and relief in the wake of the current pandemic. We will continue monitoring for any changes in policies and legislation and post them here to keep you updated.

Check back periodically for updates or contact us if you have specific questions.

Check Your Credit Card Limit, It May Have Been Cut

If you’re running up your credit card to get through the COVID-19 health crisis, you may be in for a rude awakening. Your credit limit may have been cut in the last 30 days without any notification to you. Comparecards reports that the situation may have touched as many as one in four Americans. Some […]

PPP Loans Come With Lots of Strings Attached

Small business owners who have applied for and received a Payroll Protection Program loan through their banks or the SBA need to be aware of the rules for those loans established by the SBA and the Treasury Department. NPR reports that while the loans can be forgivable, there are conditions. The major caveat is that […]

Wells Fargo Suspends Applications For HELOCS

A growing number of banks have suspended applications for new Home Equity Lines of Credit, also known as HELOCS, for the duration of the current economic downturn brought on by the Coronavirus. The latest to make the move is Wells Fargo, according to a report from Forbes. The bank posted a message on its website […]

Banks and Creditors Grabbing Stimulus Checks

You can’t necessarily count on actually getting your federal stimulus check to help you through the COVID-19 crisis. That’s because banks and creditors are in some cases grabbing that money to settle debt, even though they’re not supposed to do so. Television station KOMO reports that, according to Lauren Saunders, Associate Director of the National […]

Get Credit Card Fraud Alerts on Your Mobile Device

Setting up credit card alerts for your phone or tablet may help you catch credit card fraud before it becomes a major problem. Most major banks have a way for you to track card balances and payments on your smartphone. They can also alert you to potentially unauthorized use of your card. reports that […]

New Jersey Governor Offers Mortgage Payment Forbearance

New Jersey Governor Phil Murphy (pictured) recently announced that financial institutions will provide mortgage forbearance and financial protections for New Jerseyans who are facing economic hardship as a result COVID-19. “Millions of hardworking New Jerseyans are suffering financial losses through no fault of their own as a result of the economic downturn brought on by […]

Debt Collectors Claim They Are ‘Essential’ to the Economy

Lobbyists for the debt collection industry are telling federal and state governments that they are “essential” and should be allowed to remain open during the COVID-19 pandemic. Some states are placing a moratorium on some debt collections, including medical bills and student loans. The Education Department has stopped garnishing wages and taking tax refunds for […]

Your Credit Reports During the COVID-19 Pandemic

TransUnion, Equifax and Experian will not be able to help you because it is up to each individual creditor on how they report your account payment history. The most each agency will tell you is to monitor your credit closely and watch for identity theft.  If you have been impacted by loss of job, a […]

Fannie Mae and Freddie Mac are taking steps to help consumers

While banks continue making their own rules, Fannie Mae, Freddie Mac and the Federal Home Loan banks are taking steps to help consumers who have been impacted by Covid19. If Fannie Mae and Freddie Mac hold your mortgage, call them and tell them your situation. According to Fannie Mae and Freddie Mac, they stated: They […]

Update on Vystar and COVID-19

To help all members across the board, Vystar suspended all loan payments with no strings attached. Vystar automatically deferred all consumer loans for 60 days, including, auto, boat, credit cards, and line of credit. Vystar will waive all the fees. Vystar said there is no opting out of this and no action is required. They […]

Are your Credit Cards Really Helping You During the COVID-19 Crisis

Some banks and credit card companies are offering “help” to those affected by COVID-19. We will continue monitoring what the card issuers are doing to help and post updates here. For now, most banks do not seem to offer much help and the details are nowhere to be found. Below is a list of some credit […]

Before Taking Help from your Credit Card, make sure you Understand the Risk

The 2007/08 mortgage crisis brought about many legislative changes which impacted the finances and lives of millions of consumers throughout the U.S. What we are seeing today has several similar undertones consumers need to be aware and wary of.  Banks and credit card companies claim to offer “help” to consumers who have been impacted by […]

Mortgages and COVID-19

We can only guess how many of you may have attempted to contact your mortgage companies regarding your payment, only to get a busy signal or if you are lucky, a six hour hold time. If you are not able to get a hold of your mortgage company, go to their website to see what […]

Ford is Offering Deferment for 90 Days for Those Affected By Coronavirus

March 16th, 2020, Fox News reported Ford Motor Credit is pushing a credit assistance program offering a 90 day deferment before the customer would need to make their first payment. Moreso; Ford Motor set up a hotline for customers who have lost their jobs because of the Coronavirus. If you lost your job and have […]



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